![]() Combine this expanded coverage with an option to protect other buildings on your property, adding up to $50,000 in additional protection. Choose coverage limits of up to $4 million to protect your home better. With availability in most US states, homeowners have a powerful coverage solution with Neptune. Rest assured, knowing your Neptune Flood policy provider is rated “A” (Excellent) or higher by A.M. Neptune does the heavy lifting of underwriting the policy, backing the coverage with some of the largest insurance markets in the world. With simplified underwriting that streamlines the process and eliminates the need for costly and time-consuming steps like elevation certificates, Neptune gets your home protected faster and easier.Īn insurance policy is only as good as the companies that back the policy. No-hassle flood coverage: Getting coverage with Neptune is a breeze.Neptune provides coverage in just 10 days and eliminates the waiting period for home loan transactions. Express service 10-day waiting period: Standard flood policies enforce a 30-day waiting period before coverage becomes effective.Neptune lets you choose from six deductible options ranging from $1,000 up to $25,000, so you can match your coverage to your risks. Deductibles from $1,000 to $25,000: Some homeowners prefer a higher deductible to keep premium costs lower.Up to $500,000 in contents coverage: While NFIP policies cap available coverage for personal property at $100,000, Neptune lets you choose a limit of up to $500,000 with the ability to insure your belongings for full replacement value.Neptune lets you choose coverage limits of up to $4 million, with the option to add protection for additional buildings on your property as well. Up to $4 million in coverage for your home: Standard policies cap coverage for your home at $250,000.Coverage for additional buildings: Protect additional buildings on your property with up to $50,000 in added coverage for all unattached structures, such as detached garages, pool houses, and more.Ĭhoose higher policy limits and secure coverage quickly.With Neptune, you can choose the coverage you need to repair and refill your pool after a covered loss. Pool repair & refill: Standard NFIP policies exclude coverage for pools, leaving a potentially costly gap in protection.Neptune Flood can insure up to $10,000 in personal property in your basement. Basement contents coverage: Standard NFIP policies limit basement coverage to attached fixtures and select appliances.Temporary living expense: When a covered claim forces you to leave your home, your Neptune Flood policy can help pay for additional living expenses such as lodging or the extra cost of eating out with up to $10,000 in added protection.Neptune Flood lets you insure to full replacement value, giving you the protection you need if disaster strikes. This structure leaves many homeowners underinsured. Replacement cost coverage: Standard policies provide coverage for belongings based on a deduction for depreciation.Better Protection Through Expanded Policy OptionsĬustomize your Neptune Flood policy to match your needs and priorities. Neptune is the tip of the spear among tech-driven insurers, using a number of innovative techniques to assess risk more accurately, ultimately leading to higher available coverage limits, lower overall rates, and coverage that addresses the gaps often left behind by traditional policies. But advances in technology make it possible to predict flood risk more accurately, creating a market for private flood insurance policies that exceed the coverage of traditional NFIP policies. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.Īs a matter of policy, BBB does not endorse any product, service or business.Neptune’s Unique Combination of Coveragesįor decades, the National Flood Insurance Program (NFIP) was the only flood protection option for many homeowners. BBB Business Profiles are subject to change at any time. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.īBB Business Profiles generally cover a three-year reporting period. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. BBB Business Profiles may not be reproduced for sales or promotional purposes.īBB Business Profiles are provided solely to assist you in exercising your own best judgment.
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